INSURANCE & INVESTMENT ADVISORS

Your Destination

“Would you tell me, please, which way I ought to go from here?'
'That depends a good deal on where you want to get to.' said the Cat.
'I don't much care where –' said Alice.
'Then it doesn't matter which way you go.' said the Cat.
'- so long as I get SOMEWHERE,' Alice added as an explanation.
'Oh, you're sure to do that,' said the Cat, 'if you only walk long enough."
- Lewis Carroll, Alice in Wonderland

Your peace of mind starts with our nine-step financial planning process and builds into regular scheduled planning updates and portfolio reviews. Once you receive our complimentary introductory kit and book a discovery meeting, your view on what it means to have a financial plan will begin to evolve.
“When you change the way you look at things, the things you look at change” - Wayne Dyer.
Inviting professional financial planning into your life drives a movement in the way you understand your finances while our processes, principal-based philosophy, and positive energy redefines what it means to have a financial plan. And with this clearer perspective, you’ll be in a better position to adapt your to any challenges or concerns that come up.
You’ll receive guidance with pre-provided questions at each interval and coaching on your financial plan is developed over a series of nine phases, typically including a minimum of four meetings. We’re set up with the full capacity to host meetings in person, or electronically by skype or facetime, whichever is more convenient for you.

Independence Planning

A deliberate focus on fundamentals and logistics will be the epicenter of your independence plan. The timing of income and tax consequences, including planning for withholding tax, and portfolio longevity, are key focuses. Your independence plan will give you confidence in your options for a sustainable income, help to shift your mindset from employment income to portfolio income, and will reassure you with regular reviews and cost transparency.

Survivor Planning

Your survivor plan emphasises the process of working through significant life changes through three distinct phases. We start with estate issues like transfers to beneficiaries, transition to income planning with cash flow planning, and then work towards a sustainability focus with emphasis on tax efficiency and estate goals. Your personal concerns and your loved one’s wishes are kept at the forefront of every recommendation. Together, we build a plan of dignity and respect for your personal regrowth and the love that you shared.

Succession Planning

An effective succession plan is one where the communication remains strong and positive with everyone involved, most specifically your family. Your personal values and equivalization are discussed and balanced, while structure and formality are built into your ideal succession. A review of tax consequences and income are integrated through each step, so you can feel confident making decisions that maintain the integrity of the business you are working to preserve.

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